Yes, Capital One Spark Classic for Business will do a hard pull on your credit report when your application is evaluated. It is designed for applicants with limited credit (less than 3 years of credit history), but other factors will also be taken into consideration. These include your income, debts and overall ability to make credit card payments.
The Capital One Spark Classic credit score requirement is 640+. This means that you need to have at least fair credit to get this card.
At the same time, though, Capital One Spark Classic is also designed for people with limited credit. So, you should be able to qualify for this card even if you have less than 3 years of credit history.… read full answer
However, meeting the credit score requirements doesn’t guarantee that your application for Capital One Spark Classic will be approved. The issuer will also take into account various other factors like your credit history, income, and any debts you might have.
Approval for the Capital One Spark Classic only takes about 60 seconds if you apply online. If you apply in person or Capital One needs to take a closer look at your online application, it can take them up to 10 more business days to reach a decision.
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